油桃冻害气象指数保险设计.pdfVIP

浙江农业学报Acta Agric u1turae Zhejia唔ensis ， 2014 ,26(6) :16ω-1666 匡昕，陈蝶徐.油桃冻害气象指数保险设计[JJ. 浙江农业学报，2014 ， 26(6) :16ω-1666. 001:10. 3969/j. issn.1∞4 -1524. 2014. 06. 44 油桃冻害气象指数保险设计 匡昕，陈蝶徐 (南京信息工程大学，江苏南京 21∞44) 摘 要:通过设计泊桃气象指数保险方案，为开展汹桃政策性农业保险提供相应的技术支撑。根据泊桃减产 率与气象因子的关系，设计泊桃冻害气象指数，利用气象资料和Generalized Extreme Value 分布拟合油桃减产 率分布，从而确定保险费率。结合区域产量指数保险和气象指数保险优点，设计油桃冻害气象指数保险 合同。 关键词:油桃;农业保险;低温冻害;气象指数保险;合同;设计 中图分类号:S162.5 文献标志码:A 文章编号:1∞4-1524(2014 )06-16ω-07 D臼i伊 of weather-based index insurance contract for nectarine freezing KUANG Xin , CHEN Rong-xu (Nanj仇g University of Information Science Technology , Nanjing 21ω44 ， China) Abstract: The objective of the present research was to design weather-based index insurance contract for nectarine , and to provide techno1ogy for po1icy-guided agricu1tural insurance. Based on the re1ationship between nectarine yield 10ss rates and weather factor毡， weather index of nectarine freeze dama吕;e was designed. With weather data and Gener- alized Extreme Value disturibution , we calcu1ated the pu陀 premium rate. Based on the advantage of area yie1d crop insurance and weather index insurance , weather-based index insurance contact for nectarine freezing w凶 designed. Key words: nectarine; agricu1tural insurance; freezing; weather-based index insurance; contact; design 农业是风险性行业，受自然灾害的影响较 一费率的传统成本保险方式，使保户的保费负担 大，政策性农业保险可以稳定农民通过农业生 与承受的风险特征不一致，农业保险存在逆选 产带来的收入，减少甚至消除自然风险带来的 择、道德风险、灾后理赔时效低、理赔成本高[3 -4] 负面影响[1 -2] 。油桃是浙江省 2000 年以来引 等问题。针对传统农业保险中存在的问题，国际 进推广种植的名优水果，已成为浙江的主要水 农业保险界开发了区域产量指数保险和气象指 数保险来解决传统农业保险失败的问题。区域 果之一。但